Sergei Artimenia Managing Director at RNDPOINT.com
In this post I will explore the world of Payment Services Directives (PSD), where PSD agents are the unsung heroes, diligently working behind the scenes to ensure smooth transactions. If you've ever wondered who these mysterious figures are and what role they play in the grand scheme of payment services, you've come to the right place. In this com...
09 October 2023 /regulation /inclusion Financial Inclusion
In this article I will explore the Electronic Money Directive (EMD) which emerged as a pivotal regulatory framework, guiding the operations of electronic money transactions across the globe. At the heart of this directive, EMD agents play a crucial role, ensuring compliance, enhancing security, and fostering trust in the digital payment landscape....
07 October 2023 /regulation /retail Banking
In the ever-evolving world of banking, neobanks have emerged as digital disruptors, promising a seamless and innovative banking experience. However, not all neobanks succeed in this competitive landscape. In this article, I will take a deep dive into the key reasons for their failure and explore the challenges that they are facing. Failure to deli...
21 August 2023 /payments /retail Banking
The rise of neobanks and digital banks has revolutionized the banking industry. They offer innovative solutions and user-friendly interfaces that make managing your finances a breeze. Whether you prefer the simplicity of a neobank or the comprehensive services of a digital bank, there's no denying that these alternatives are changing the way we ba...
09 August 2023 /payments /retail Banking
While neo-banks offer many advantages in terms of convenience and accessibility, it is important to weigh these benefits against the potential drawbacks discussed below. By understanding both sides of the coin, you can make an informed decision about whether neo-banks are right for your banking needs. Author: Sergio Artimenia, managing director at...
07 August 2023 /retail /startups Banking
In this article, I will explore the rise of neobanking and how it has become a game-changer in the financial industry. What makes neobanking so beneficial? How convenient, accessible and personalized are neobanks? What security measures are implemented by neobanks to ensure that financial transactions remain safe and secure? I will make a comparat...
04 August 2023 /payments /retail Banking
In recent years, the European financial landscape has experienced a significant shift with the rapid growth of electronic money institutions (EMIs). This has been fueled by the increasing demand for innovative and convenient digital payment solutions, as evidenced by the success of companies like Revolut and TransferWise. As a result, many entrepr...
18 June 2023 /payments /retail Banking
The significant changes in the way customers and businesses participate in the banking ecosystem are incoming. The emergence of artificial intelligence (AI) and machine learning (ML) in financial technology (FinTech) caused the opportunity to improve financial management systems for businesses. Advancements in technology made banking operations si...
15 October 2021 /retail /wholesale Open Banking
The massive changes that take place in the banking sector are often portrayed as the intense competition within the industry, namely between progressive institutions and those considered traditional ones. Instinctively, being a "progressive" bank looks more appealing than being called a “traditional” bank. That is why it would look like m...
15 October 2021 /retail /inclusion Disruption in Retail Banking
You've probably also come across a situation where you have everything you need to implement a project. However, you fail to deliver quality and timely software deliveries from sprint to sprint. Here's a story of my client. I was approached by a client who received investment for his startup, but could not launch it on time. Previously, when deve...
08 October 2021 /devops /startups IT Metrics
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